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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $169,357 | $95,453+77.4% | $112,040+51.2% | $82,448+105.4% |
| Participation rate | 59.7% | 72.8%-13.1pp | 76.5%-16.8pp | 68.1%-8.4pp |
| Annual return | 17.97% | 23.92%-6.0pp | 24.52%-6.6pp | 41.64%-23.7pp |
| Employer contribution / active EE | $2,387 | $2,318+3.0% | $2,954-19.2% | $2,551-6.4% |
| Participant deferral / active EE | $5,385 | $4,224+27.5% | $5,098+5.6% | $4,139+30.1% |
| Admin fee / account holder | $2,150 | $9,013-76.2% | $12,098-82.2% | $7,234-70.3% |